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If your home is worth less than what you owe on it you are probably going to have a very tough time getting a new bank to refinance the property.Your best bet would be to speak with your current lender or lenders about modifying your mortgage. Many people have been successful in receiving loan modifications and turning their high adjustable rate into a lower fixed rate.If you desire to keep your home I would recommend speaking with your lender(s). Please be aware that it may be more difficult to receive help from your lender if your current on your mortgage payments. Most lenders tend to focus on individuals that are in default.Best of luck!
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For Sale: $142,140